5 Signs You May Need An Medical Insurance Specialist

1) Are you overwhelmed with a stack of explanation of benefit forms that you can’t decipher?
2) Do you have a lot of out-of-network medical expenses?
3) Are you getting medical bills – with no way of knowing they are correct?
4) Has your insurance company denied your medical claims?
5) Is your life so busy that you need just plain need a little help?

If you answered yes to even one of these questions, consulting with a medical insurance specialist is highly recommended. Medical Billing Advocacy of the Rockies provides a free initial consultation to review the facts of your individual situation and will determine your needs, and recommend a course of action to solve your insurance issues.

“After spending 10 years in the health insurance field working for a major health insurance company, I saw a critical need for this service. Learning and dissecting the healthcare jargon and codes is not something the general population can do, nor has the time to do”, says Holly Knapp, President of Medical Billing Advocacy of the Rockies, LLC.

According to Ms. Knapp, some of the common questions from her clients are:
“How can I tell if my medical bills are correct”
“How do I know if my insurance company has paid everything they should?”
“How do I know that I am paying what I truly owe?”

The job of a medical insurance specialist is to sort out the facts, review itemized doctor and hospital bills, insurance benefit statements, and medical records. “This comprehensive review helps you get fair treatment in a complex and confusing health care system and assures you of a true and accurate bill”, according to Ms. Knapp. Ms. Knapp advocates on behalf of her clients to get them the benefits they deserve, as she resolve billing errors, eliminate overcharges, and negotiate bill reductions.

Medical insurance specialists are experienced in helping chronically ill individuals and/or families caring for a chronically ill child, or spouse. According to Ms. Knapp, “When families are dealing with significant health issues, the burden of fighting with insurance companies and health care providers to make sure bills are correct, and properly processed by the insurance company is one more stress they don’t need to deal with at a very difficult time in their lives. An insurance specialist can step in to manage the process, and allow you to focus on caring for your loved ones.”

In addition, for seniors who are confused by the complexity of Medicare supplement policies and Medicare Part D drug plans, medical insurance specialists can provide advice and enrollment assistance in a plan that will provide the greatest benefit at the lowest cost.

A recent article published by the Wall Street Journal, How to Fight a Bogus Bill states that many medical bills contain errors and these that many of these errors go undetected. The article suggests that up to 80% of medical bills contain errors. In addition, consumers are being sent to collection due to filing errors. They also offer tips on the best methods to resolve medical billing and insurance issues. An empowered consumer can fight back, stand up for their rights and get medical billing and insurance errors corrected.

Holly Knapp is a member of a national organization of medical billing advocates – Medical Billing Advocates of America (MBAA). Advocates come from a variety of backgrounds: health insurance, nurses, lawyers, certified medical coders, and health care administrators. Members support each other in their common goal of a fair and true medical bill, by sharing knowledge and skills as they work together on difficult cases.

Accessibility is a key aspect of Ms. Knapp’s services. Her expertise in medical insurance specialist services is only a phone call away. Your initial telephone consultation is free.

For more information contact:

Holly Knapp
Medical Billing Advocacy of the Rockies, LLC (MBAR)
511 Marcellina Drive
Loveland, CO 80537
Phone: 970.663.1735
Email: Holly@medbillhelp.com
Website: www.medbillhelp.com

Client Testimonials

Savings: $31,000.  Thank you so much for all your hard work. You have worked so diligently on my case and have had such great results that thank you doesn’t seem to be enough.  Michael D., Rifle, Colorado

Savings: $14,500.  Thanks to you this nightmare has almost turned into a fleeting thought. You made it possible for me to sleep at night. I am in awe of your skills.  Nan H., Guffey, Colorado

Savings: $43,000.  You made a very stressful and worrisome event manageable. Thank you for your exceptional service and advocacy.  Randy K., Eatonville, Washington

Savings: $52,000.Our heartfelt gratitude to you I really believe that God puts people in your life for a reason. You were so supportive and wonderful to us.  Brian and Monika R., Loveland, Colorado

Savings: $25,500.  I just knew when I saw the article in the Denver Post that you would be the one that would be able to help get me out of this mess. I can never thank you enough for what you do.  Liz G., Denver, Colorado

Savings: 28,800.  I was uninsured, and in a real jam. I can’t believe what you were able to do for me and I don’t know how to thank you enough!  Brent L., Phoenix, Arizona

Savings: $32,500.  Your ability to demand respect and response from the insurance company is something that I don’t believe the individual patient is afforded, therefore, using your services was without doubt, the best thing I could have done in my situation.  Ben D., Boulder, Colorado

Savings: $3,200.  I had a very complicated case involving several insurers and employers. Thanks to Holly’s intervention and expertise, the case was finally settled with a $3,200 decrease in my portion of the hospital bill. I never would have been able to get this resolved without Holly’s help, and really appreciate her hard work on this case.
Mike P., Aurora, Colorado

Medical Bill Management Services

Holly is fantastic. I would highly recommend her if you need help with medical bills and negotiating insurance claims. She is thorough, quick, efficient, and very professional. I don’t know what we would have done without her.
Chris E., San Clemente, California

Hospital forgive medical debt for 90 year old

A Colorado hospital forgave over $21,000 in medical debt for a local 90 year resident.  Despite all the stories we hear bashing health care providers, a story where a hospital shows compassion is a welcome change of pace.

My client, Liz, owed a local hospital for services received in 2008 as a result of an accident. Liz was not eligible for Medicare, and had private insurance.  After admittance to the hospital on an emergency basis, she remained there for rehabilitation treatment.  Her claims were paid at out of network level, leaving her with significant balances owed.  While she made small monthly payments, she never really understood why she owed all that she did and how she got into this mess. 

Liz had no family to help her and lives in downtown Denver.   When she called me, she pleaded with me to come down to Denver and meet with her to help her, as she was very confused about all of her medical bills. I made the trip from Loveland to Denver and sat down with her at a local McDonald’s restaurant (she told me her kitchen table in her apartment was not big enough to spread out the papers). She entered the restaurant very slowly, using a wheeled walker.  As I spoke with her and looked through all of the piles of bills, I was amazed at how bright and sharp and intelligent her blue eyes were, as she seemed to understand most of what I was saying, and was able to intelligently answer my questions. Needless to say, I was impressed with her and I certainly felt compassion for her circumstances. She wanted to do what was right, and pay her fair share, but the weight of these large bills were more than she could handle.

I wrote a well thought out letter to the hospital, petitioning them to forgive Liz’s debt, and providing a rationale for why I felt that they should do this.  The amazing thing:  I received a prompt reply from them.  They agreed to bring all of her accounts out of collection, and reduce them to a zero  balance, for both the hospital and for the physicians amounts owed.

What a wonderful outcome and phone call it was for me to call Liz and inform her of this great news.  And, to know the staff at the hospital truly do have a heart.

Digging out of Medical Debt

A lifetime exclusion rider for kidney stones left Larry Rudduck buried in over $30,000 of medical debt while he was also unemployed.  Faced with this debt, there seemed to be no way out except to spend years paying minimum payments to multiple medical care providers.

A medical billing advocate, hired by Larry to review the bills and see if any reductions were available, was able to save Larry over $25,000, reducing the amount he owed to under $5000.  Something he could manage out of his savings, while he continued looking for employment.  And, eliminating the thought of more drastic measures, such as filing for bankruptcy.

One simple request by the billing advocate, after reviewing Larry’s financial status, was that he immediately apply to the hospital for the Colorado charity care program, CICP.  Rudduck applied at Boulder Community Hospital and was approved.   In addition, the 90 day look back period under the CICP program meant he was entitled to a a refund of the $1000 that he had already paid to Longmont Hospital.  Applying for this program alleviated over $20,000 of medical debt.  Without the timely suggestion of Holly Knapp, a medical billing advocate from Loveland, Larry Rudduck would have been unaware of his option to apply for the program, and of the immediate need to apply right away, because of time deadlines.

Knapp then went to work on other outstanding medical bills, where she was able to negotiate significant reductions, from 25-75% for Rudduck.

Medical Billing Advocates of America, of which Knapp is a member, is a national organization that promotes fair medical billing practices, and reviews medical bills for errors and duplications.  It’s estimated that at least 3% of all health care spending – about $68 billion – is lost to fraud and billing errors annually. 

New reform laws may worsen the situation, because hospital will be under more pressure to make money as their revenues will be lower from major payers, ie Medicare and Medicaid.

Christie Hudson, vice president and chief operation officer of the medical billing trade group states “We’ve been fighting overcharges for years and insurance companies continue to pay without question”.

Holly Knapp. Owner of Medical Billing Advocacy of the Rockies, who handled Rudduck’s case, says “Working as an advocate is very rewarding. Many times, just by knowing the ins and outs of insurance companies and how claims are processed, I can get claims paid for individuals and get them out from under a lot of debt.”   Knapp’s background included  working for 10 years with Anthem Blue Cross and Blue Shield.

www.medbillhelp.com

5 Signs You May Need A Medical Billing Advocate

5 Signs That You May Need A Medical Billing Advocate

1. Do you have denied claims that you would like the insurance company to reconsider; yet you are unsure how to appeal the claims?
2. Are you or a family member chronically ill and overwhelmed with sorting through a multitude of bills and insurance paperwork?
3. Do you have elderly parents that need help with their Medicare Supplement and Part D coverage decisions, and you don’t know how to advise them?
4. Have you recently incurred large medical expenses and you are uninsured and don’t know where to turn or what to do?
5. Do you suspect that your medical bills contain overcharges and inaccuracies but you don’t know what to do?

If you answered yes to even one of these questions, consulting with a medical billing advocate is highly recommended.  Medical Billing Advocacy of the Rockies provides a free initial consultation to review the facts of your individual situation and will determine whether you have a case, and/or determine what assistance or recommendations they can provide.

“After spending 10 years in the health insurance field working for a major health insurance company, I saw a critical need for this service.   Learning and dissecting the healthcare jargon and codes is not something the general population can do, nor has the time to do”, says Holly Knapp, President of Medical Billing Advocacy of the Rockies, LLC.

According to Ms. Knapp, some of the common questions from her clients are:

“How can I tell if my medical bills are correct”
“How do I know if my insurance company has paid everything they should?”                                                                           “How do I know that I am paying what I truly owe? “ 

The job of a medical billing advocate is to sort out the facts, review  itemized doctor and hospital bills, insurance benefit statements, and medical records.  “This comprehensive review helps you get fair treatment in a complex and confusing health care system and assures you of a true and accurate bill”, according to Ms. Knapp.    Ms. Knapp advocates on behalf of her clients to get them the benefits they deserve, as she resolve billing errors, eliminate overcharges, and negotiate bill reductions. 

Medical billing advocates are experienced in helping chronically ill individuals and/or families caring for a chronically ill child, or spouse.  According to Ms. Knapp, “When families are dealing with significant health issues, the burden of fighting with insurance companies and health care providers to make sure bills are correct, and properly processed by the insurance company is one more stress they don’t need to deal with at a very difficult time in their lives.  A billing advocate can step in to manage the process, and allow you to focus on caring for your loved ones.”

In addition, for seniors who are confused by the complexity of Medicare supplement policies and Medicare Part D drug plans,  medical billing advocates who specializes in this area can provide advice and enrollment assistance in a plan that will provide the greatest benefit at the lowest cost.

A recent article published by CBS News,  Slash Your Medical Bill; 7 Ways to Haggle offers tips for consumers in how to find medical pricing data for planned medical procedures and then use this information to effectively negotiate with care providers before receiving services.    They also offer tips on the best methods to reduce bills for medical services you have already received.  An empowered consumer, armed with accurate medical price data, can negotiate on their own behalf to get substantial medical cost savings from both physicians and hospitals.

Holly Knapp is a member of a national organization of medical billing advocates – Medical Billing Advocates of America (MBAA).  Advocates come from a variety of backgrounds:  health insurance, nurses, lawyers, certified medical coders, and health care administrators.  Members support each other in their common goal of a fair and true medical bill, by sharing knowledge and skills as they work together on difficult cases.

Accessibility is a key aspect of Ms. Knapp’s services.  Her expertise in medical billing advocacy is only a phone call away.  Your initial telephone consultation is free. 

For more information contact:

Holly Knapp
Medical Billing Advocacy of the Rockies, LLC (MBAR)
Phone:  970.663.1735                                                                                                                                                                                        Email: Holly@medbillhelp.com   

Website:  www.medbillhelp.com

Medical Billing Advocate Offers Expert Negotiation Skills to Help Consumers Reduce High Medical Debt.

Before you spend time and money fighting with insurance companies and health care providers over high medical bills, check with expert “certified” medical billing advocate Holly Knapp.  Whether you are insured, under-insured, or uninsured, Ms. Knapp can not only tell you if you have a claim which is inaccurately paid or incorrectly denied – she will provide a free initial no risk consultation with a medical review of the facts to determine whether you  have a case.

Not a newcomer to insurance issues and claims denials, Ms. Knapp has 10 years of experience.  As an advocate on your behalf, her experience in understanding provider billings, insurance benefits, medical bill audits and negotiating skills can save you many hours of frustrations, along with cost savings of up to 75% of your medical expenses depending upon the circumstances of your particular case.  She is prepared to go to bat for you, when you are dealing with medical issues and need to spend your time getting well, rather than worrying about bills and potential bankruptcy.  Availability and rapid response make her service unique.

According to Ms. Knapp, “The question I get most often is, “How can I tell if my medical bills are correct? “  My job is to sort out the facts and to get an itemized bill that will allow me to do a comprehensive audit.  I want to make sure that you get fair treatment in a complex and confusing health care system and that you only pay your fair share.  I work to help my clients get the benefits they deserve, as I resolve billing errors, eliminate overcharges, and negotiate bill reductions. 

The law and medical schools of Harvard University have estimated that 90% of hospital bills contain errors and overcharges. Erroneous medical billing errors often go undetected and unchallenged, resulting in higher healthcare costs for everyone.  Many consumers are not able to understand the confusing language and/or alphabet soup of codes, and need an experienced advocate to represent them.   CNN Health recently reported that more than 60 percent of bankruptcies are linked to medical bills, and three-quarters of people with a medically-related bankruptcy had health insurance.

Holly Knapp is a member of a national organization of medical billing advocates – Medical Billing Advocates of America (MBAA).  Advocates come from a variety of backgrounds:  health insurance, nurses, lawyers, certified medical coders, and health care administrators.  Members support each other in their common goal of a fair and true medical bill, by sharing knowledge and skills as they work together on difficult cases.

Ms. Knapp also provides a monthly medical claims management service that takes the burden off the chronically ill and/or elderly, by handling all of their medical and insurance paperwork for them.  In addition, for seniors who are confused by the complexity of Medicare supplement policies, she provides advice and enrollment assistance in a plan that will provide the greatest benefit at the lowest cost.

Accessibility is a key aspect of Ms. Knapp’s services.  Her expertise in medical billing advocacy is available at any time.  Your initial telephone consultation is free. 

For more information contact:

Holly Knapp
Medical Billing Advocacy of the Rockies, LLC (MBAR)
511 Marcellina Drive

Loveland, CO  80537

Phone:  970.663.1735

Email:  Holly@medbillhelp.com

Website:  www.medbillhelp.com